Date Received: 2022-10-29
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: On XX/XX/2022, I started a phone application wi5h Care Credit. After I was transferred to a live agent I decided to cancel the application. Later that night I was looking into my finances and checked my credit score. While reviewing this I found that Care Credit had submitted two inquiries into my credit. At first I wasnt concerned thinking one was soft, early in the phone call and the second was a hard inquiry. In looking further, I found that both were hard inquiries. I did not think to get a screenshot of this. I called the credit bureau listed and was told I had to talk directly with the company from which I applied to. The next day I called Care Credit XXXX Synchrony Bank. I had multiple phone calls with them. They told me : *I needed to talk with the credit bureau agency. *They only made one inquiry *Refused to investigate further. I suggested they contact their IT department, because if Im seeing two hard inquiries and they only see one, there is a problem somewhere. She refused, saying something like there was no problem with their system. I also pointed out this could be happening to others. She did not help. Today, XX/XX/2022, I received a letter from Synchrony Bank stating my credit application was not approved as based on the results of the credit checks, they were unable to confirm my identity. There was no mention that I cancelled the request. The reverse side of the letter states, Requests for a copy of your credit report should be sent to the credit reporting agency on the reverse side. If no agency is listed, a credit report was not utilized in making this decision. I have several issues : XXXX. There was no decision to be made as I cancelled the application. XXXX. There was no credit reporting agency listed, but they admitted on the phone they had made one inquiry. 3. Im unable to obtain the free copy of my credit report as the agency name was not listed. I just checked and my credit score has dropped by XXXX points, and the only thing noted was the increased inquiries reported. This is the first time I, ve checked it and it has been under XXXX. It is usually around XXXX or higher. At the very least Id like to file a report with XXXX explaining this situation to any creditor concerned about my credit I will be avoiding applying for credit from Synchrony Bank, even though they back so many store cards. Im also not using any credit cards I have with them, XXXX XXXX. .
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-30
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: As of XX/XX/22, Synchrony Bank Paypal Credit Card and Mastercard are reporting 60-89 days late. In accordance with the Fair Credit Reporting Act this creditor ( Synchrony Bank PayPal Credit/Mastercard ) has violated my rights under 15 USC 1681 Section 602, which stats I have the right to privacy. 15 USC 1681 Section 604a Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 Section b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Both accounts have been closed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19038
Submitted Via: Web
Date Sent: 2022-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-30
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I received a bill from XXXX XXXXSYNCHRONY bank for a credit card that was opened in the name of XXXX XXXX at my XXXX XXXX XXXX XXXX XXXX, XXXX, FL. A purchase has been made in the dollar amount of {$3500.00} in XXXX XXXX Florida for an XXXX XXXX XXXX XXXX. I tried calling the phone number on the bill XXXX XXXX and there was no answer. The credit card number is XXXX. Make payment to SYNCHRONY Bank XXXX XXXX XXXX, XXXX, FL XXXX. I never applied for a credit card with this bank I did not make a purchase for air conditioning anywhere I dont even know where where XXXX XXXXXXXX XXXX at. I would like to report this credit card fraud please. I purchased this address through foreclosure in XX/XX/2022 and there was a squatter living here at the time and phone numbers that was posted on the door of the house XXXX and XXXX for the person that was squatting at my residence XXXX XXXX XXXX XXXX, FL XXXX. The website on the envelope that was mailed to me with the credit card bill www.mysynchrony.com.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32246
Submitted Via: Web
Date Sent: 2022-11-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-30
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: On XX/XX/2022 I purchased a round trip airline ticket from XXXX XXXX ( XXXX ) using PayPal Credit financed by Synchrony Bank for myself ( {$1100.00} ) and purchased a ticket for wife ( {$1000.00} ) using XXXX credit card. The flight is on XX/XX/2022 from XXXX XXXX ( XXXX ) to XXXX ( XXXX ) with a layover in XXXX XXXX ( XXXX ). The XXXX to XXXX flight is fulfilled by XXXX XXXX ( XXXX ) an affiliate of XXXX. Sometime first week of XX/XX/2022, XXXX cancelled their flights from XXXX to XXXX with no other available flights that will connect me on time with the XXXX to XXXX flight. To cut the story short, after a 2 day phone tagging with XXXX and XXXX, I had the ticket cancelled instead. I filed a disputed charge with Synchrony bank since XXXX and XXXX are pointing fingers to each other on who should refund the money ( I also requested a refund from these two airlines ). SynchronyXXXX kept on insisting that the purchase is legitimate and so they can't give me a credit. I told Synchrony/XXXX XXXX I'm not disputing the legitimacy of the purchase but the services I purchased can not be fulfilled ( undeliverable services or deffective goods ) since the XXXX to XXXX flight was cancelled and no available flight can be find on time with the XXXX to XXXX flight XXXX Attached is a screenshot from XXXX and XXXX website showing our flight from XXXX to XXXX is still cancelled.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89011
Submitted Via: Web
Date Sent: 2022-10-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-31
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I have an account with XXXX XXXX XXXXSynchrony Bank XXXX I made a one time payment from my checking of {$78.00} amount due on XX/XX/2022. On XX/XX/2022 and XX/XX/2022 two other debits totaling {$150.00} was taken out of my checking account. I did not sign up for automatic drafts out of my account. I called my Credit Union and informed them of the issue. I completed a stop payment form as per the branch manager. She couldn't guarantee that in the future it would not happen again. I reached out to Synchrony Bank and was told I could not get my refund and that I would have to call back. It was almost impossible trying to understand the customer service representative. I was also placed on hold for most of the conversation for long periods of time. Please help me in retrieving my monies. I am a XXXX XXXX XXXX XXXXr trying to work and pay my bills on time. I really appreciate your help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33062
Submitted Via: Web
Date Sent: 2022-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: i have a hard inquiry on my XXXX XXXX account that i did not athourize wich is fraud from a company called syncb or sync bank that i would like removed from my XXXX XXXX score so there info is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX zip code XXXX phome number XXXX thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: RI
Zip: 02879
Submitted Via: Web
Date Sent: 2022-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-28
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Store associate explained that I was getting an in store promotion for a discount. I explained I did not want to apply for a credit card. She said I wasnt. She asked for my license as I was paying with a credit card, and soon afterwards she hands me a credit card application stating that she only gave me a discount. I get a notification later that Ive been approved for a credit card I did not apply for. This is was in XXXX XXXX in XXXX XXXX, FL on XX/XX/XXXX. I explicitly stated I did not want to apply for a credit card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39211
Submitted Via: Web
Date Sent: 2022-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-28
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I made a purchase at XXXX in XXXX, as I was going to pay, the cashier offered to apply to a XXXX credit card. I had shared I already had one and she said if I applied I would be able to get a XXXX version. I applied under the impression that I would simply get an upgrade given that I had a standing account, however, I just found out on XX/XX/XXXX that was not the case. I paid off my outstanding balance on what I thought was the card on XX/XX/XXXX, however, I received an Experience notice that I was delinquent on my XXXX account. I logged onto my XXXX XXXX and saw a {$0.00} balance, however, when I called to speak to customer service, I learned that I had 2 accounts and not just one. I was upset because I feel this was a misleading and predatory credit card application technique. I only spent {$160.00} and it cost me {$200.00} dollars to pay off and nearly XXXX XXXX points. I went from Very Good credit to Poor in less than 2 months. This practice of offering credit cards and not being clear right at checkout is malicious. I paid off this in full balance and opted to close both accounts. Something similar to this happened to my mother and I did not realize how bad this was until now. I feel I have generally healthy financial habits, but how many other consumers is this happening to?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92870
Submitted Via: Web
Date Sent: 2022-11-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-28
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: In XXXX of XXXX I purchased an XXXX stacked washer/dryer with a warranty, I opened a Lowe 's Credit Card and charged the washer/dryer and warranty to the credit card. It was suppose to be delivered on XX/XX/XXXX. When I called them on XX/XX/XXXX to confirm delivery, they said that delivery wasn't going to happen until the end of XXXX. At that time I cancelled the washer/dryer and asked them to refund everything to the credit card. I purchased the same model from another retailer who was able to have it delivered within a week. In XXXX of XXXX I received a call from XXXX 's confirming delivery of the washer/dryer, I told them I had cancelled the order and everything was suppose to be refunded back to the credit card. They refunded the washer/dryer, but did not refund the warranty. I have been getting the runaround between Synchrony Bank/XXXX XXXX and their Warranty company since XXXX of XXXX. I have spoken multiple times with them about getting this refunded to my credit card since I never took possession of the washer/dryer, and should have been refunded the warranty in full. They have trashed my credit score so that my insurance has gone up and another of my credit cards, has lowered my credit limit, which has again affected my credit score. I have spent countless hours on the phone with no resolution. I never took possession of the original item I purchased, I never should have been charged for a warranty on an item that was never delivered. XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 802XX
Submitted Via: Web
Date Sent: 2022-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-28
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I missed one payment even though I had attempted to pay the balance in full the payment in question sadly got declined since that day Ive received a call every day at XXXX XXXX sharp leaving me a voicemail XXXX through XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32763
Submitted Via: Web
Date Sent: 2022-10-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A